Here are some details: Top bottom duplex Purchase price 440kTurnkeyDownpayment - 55k Both units vacant2/1 upstairs - $1500 market rent (long term)3/2 downstairs - $2500 market rent (long term)Newly renovated Central ACSeparate electric meter 1 water meterInterest only payment for 5 years - $2567/monthTax - $500/month (appox)Insurance - $150/month (approx) Cash flow - $391 (after taking into account vacancy, property management, maintenance and capex reserve)ROI - 8.5%No prepayment penalty If used as Airbnb, ROI can be higher

No separate meter. 

Storm pond, storm sewer, fire hydrant, fire suppression systems, fire walls, electric metering and voltage (3phase???)

Quote from @Angie Yamaguchi: HOW TO SHARE UTILITIES 101You have a property with two or more units and the utility meters are shared.

I split off the electric meter for the ADU, so that will be billed separately.

One of the ways we have been doing that in our multifamily properties is by adding sub-meters to the water lines of each apartment and passing the water usage costs along to the residents.

There is a major backorder of meter stacks going on Nationwide.

A big potential cost that I didn’t see you mention (might have missed it) is the cost of installing separate meters for the unit.

The electric company remounted the entrance cable, but told me I am responsible for repairing the damage to the feeds and meter bases. 

If there is none, like this time, I sent a text.He went next door and saw that the meter was dead so it was not the house itself, but out at the pole.We are quite rural and have the old style "breakers" on the pole.